Now is a great time to say YES to a better credit card at MERCO Credit Union! MERCO’s Visa Credit Card* is one of the best credit cards to carry for all your purchasing needs. With benefits like competitive low rates, no annual fee, and no balance transfer fees. That’s right no balance transfer fees! This means you can transfer your higher-rate credit card balances to MERCO and you may be able to reduce the interest you pay!

As an added bonus, when you open your MERCO Credit Union Visa Credit Card, you will start earning rewards points with our Scorecard Rewards Program. You can redeem these points for brand name merchandise and exciting travel rewards. Where else can you get such great rewards and a great rate? Plus receive 2,500 Bonus points when you open your new Visa Credit Card! So come visit us at one of our convenient branches and apply for your card today! For more information call us at 723-4285; outside the 209 area code all 800-273-4223.

Since the launch of Apple Pay, we wanted to give our members an update on the status of our plans to make MERCO Credit Union Debit and Credit cards compatible with Apple Pay.

What is Apple Pay?

Apple Pay allows a person to pay at select stores and within other aps by placing their finger on their iOS device’s Touch ID button. Apple Pay initially works on cards from a handful of major banks and issuers only. It’s currently available on Apple’s iPhone 6, iPhone 6 Plus, iPad Air 2, and iPad Mini 3 models.

When will my MERCO Credit Union Debit or Credit Card be available on Apple Pay?

MERCO Credit Union is currently on the waiting list to start offering the service. We are projected to start the service in 2015. We will provide updates as we receive them.

Enjoy Our Large Network of Free ATMs!

MERCO members can make deposits and withdrawals at all Bank of the West ATMs. These ATMs are located throughout 20 western and midwestern states and over 700 locations. These are available to you FEE-FREE! For Bank of the West ATM locations, click here.

You can also make deposits at any ATM displaying the "DEPOSIT HERE!" signage, including MSEFCU ATMs throughout Merced County.